View our current rates
Current rates of 1st National Bank auto loan, motorcycle and ATV loan, boat loan, and home equity lines of credit (HELOC).
Interest yield on 1st National Bank checking accounts, certificate of deposits (CDs), traditional savings accounts, money market saving, business checking, and savings accounts, and health savings accounts.
Looking for current mortgage interest rates? Home loan and refinance rates are changed frequently. To ensure you get the most up-to-date low rate, please fill out our home loan application for a pre-approval rate, refinance rate, new home construction, or new home purchase rate. Just looking to talk? Call us at 513-770-3221 for today’s pricing. Want to see what you can afford? Try our mortgage calculators
Interest Rates Effective November 1st, 2022
Auto and Truck Loans
| Model Year | Interest Rate as low as* | Maximum Term | Monthly Payment on $10,000 Loan | Loan Fee | APR** as Low as |
|---|---|---|---|---|---|
| 2020 - NEW | 3.96% | 84 Months | $136.50 | $70 | 4.17% |
| 2020 - NEW | 3.96% | 72 Months | $156.27 | $70 | 4.20% |
| 2017 - 2019 | 4.03% | 60 Months | $184.30 | $70 | 4.32% |
| 2016 and older | 4.28% | 48 Months | $227.05 | $70 | 4.64% |
Motorcycle and ATV Loans
| Model Year | Interest Rate as low as* | Maximum Term | Montly Payment on $10,000 Loan | Loan Fee | APR** as Low as |
|---|---|---|---|---|---|
| 2020-NEW | 5.79% | 60 Months | $192.35 | $70 | 6.08% |
| Pre-2020 | 6.19% | 36 Months | $305.08 | $70 | 6.66% |
Recreational Vehicle Loans--Motorhomes, Trailers and Boats
| Model Year | Interest Rate as low as* | Maximum Term | Monthly Payment on $10,000 Loan | Loan Fee | APR** as Low as |
|---|---|---|---|---|---|
| New | 5.79% | 120 Months | $109.97 | $70 | 5.86% |
| Used | 6.19% | 72 Months | $166.62 | $70 | 6.44% |
* Rate shown includes 0.50% for automatic payments from a 1st National Bank Account.
** Annual Percentage Rate (APR) is based upon a loan size of $10,000 and a $70 loan fee.
Home Equity Lines of Credit
| 90% | Prime + 0% | 240 Months | $73.00 | $250 | 6.32% |
* Combined Loan-to-Value (CLTV) of the first and second mortgages.
** Annual Percentage Rate (APR) is based upon a loan size of $10,000 and a $70 loan fee.
*** Prime Rate is a variable rate of interest based upon the Wall Street Journal Prime Rate and is subject to change at any time. The Prime rate as of September 22, 2022 was 6.25%.
****A $50 annual fee may apply.
CD Rates
| Relationship Pricing* | APY | Rate |
|---|---|---|
| 9 Months | 1.00% | 1.00% |
| 15 Months | 2.60% | 2.57% |
| 4 to 5 Years | 0.60% | 0.60% |
| 2 to 3 Years | 0.55% | 0.55% |
| 1 to 2 Years | 0.45% | 0.45% |
| 6 to 12 Months | 0.35% | 0.35% |
| Without Relationship Pricing* | APY | Rate |
|---|---|---|
| 9 Months | 0.35% | 0.35% |
| 15 Months | 2.50% | 2.47% |
| 4 to 5 Years | 0.30% | 0.30% |
| 2 to 3 Years | 0.25% | 0.25% |
| 1 to 2 Years | 0.20% | 0.20% |
Savings
| over $24,999 | 0.20% | 0.20% |
| over $9,999 | 0.10% | 0.10% |
| up to $9,999 | 0.05% | 0.05% |
| Checking Accounts with interest | 0.05% | 0.05% |
| Money Market Account $100,000+ | 0.40% | 0.40% |
| $50,000 to $99,999 | 0.30% | 0.30% |
| $25,000 to $49,999 | 0.20% | 0.20% |
| $10,000 to $24,999 | 0.10% | 0.10% |
| up to $9,999 | 0.05% |
*Relationships must have an average balance of $1,000 or a lending product. CDs only excluded. APY (annual percentage yield) and rates on savings & checking accounts may change daily. Penalty for early withdrawal from CDs. Interest is compounded daily on all deposits. Fees could reduce earnings on your account.
See Rules and Regulations for more details.
